* ‍Q4 COST/INCOME RATIO WAS 45.3 PER CENT (41.2)​

* ‍DNB’S LONG-TERM AMBITION IS TO DISTRIBUTE A MINIMUM OF 50 PER CENT OF PROFITS AS DIVIDENDS TO ITS SHAREHOLDERS​

* FOR THE FULL YEAR 2018, IMPAIRMENT LOSSES ARE EXPECTED TO REPRESENT APPROXIMATELY 17 BASIS POINTS OF EXPOSURE AT DEFAULT, OR AROUND NOK 3 BILLION‍​

* DNB’S AMBITION IS TO HAVE A COST/INCOME RATIO BELOW 40 PER CENT TOWARDS 2019

* VOLUME-WEIGHTED SPREADS ARE EXPECTED TO BE STABLE, WHILE THE ANNUAL INCREASE IN LENDING VOLUMES IS ANTICIPATED TO BE 3 TO 4 PER CENT IN 2018 AND 2019

* DURING THIS PERIOD, HIGHER GROWTH IN LENDING VOLUMES IS EXPECTED FOR PERSONAL CUSTOMERS AND SMALL AND MEDIUM-SIZED ENTERPRISES, WHILE THE GROUP WILL CONTINUE TO ACTIVELY REDUCE ITS LENDING VOLUMES TO LARGE CORPORATES AND INTERNATIONAL CUSTOMERS IN CYCLICAL INDUSTRIES

* THE IMPLEMENTATION EFFECT OF IFRS 9 IS ESTIMATED AT NOK 3 BILLION AND IS EXPECTED TO REDUCE THE COMMON EQUITY TIER 1 CAPITAL RATIO BY APPROXIMATELY 25 BASIS POINTS Source text for Eikon: Further company coverage: (Reporting By Terje Solsvik)